| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK ST CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 2.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 1.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 6.86% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK ST CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 5.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 2.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 7.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST 6TH FLOOR SAN DIEGO, CA 60654 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 5.20% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 4.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 6.76% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 5.80% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK ST STE 500 CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 5.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BLVD SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 6.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 6.08% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST S CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $936 | $0 | $936 | 5.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $685 | $0 | $685 | 6.81% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK ST STE 500 CHICAGO, IL 33432 | STANDARD INSURANCE COMPANY | $522 | $0 | $522 | 5.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $267 | $0 | $267 | 2.65% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 106 | $1.3M |
| Dental | STANDARD INSURANCE COMPANY | 81 | $41K |
| Vision | STANDARD INSURANCE COMPANY | 82 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 154 | $17K |
| Short-term disability | STANDARD INSURANCE COMPANY | 153 | $23K |
| Long-term disability | STANDARD INSURANCE COMPANY | 53 | $28K |
| Other | STANDARD INSURANCE COMPANY | 154 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.